Process your customer's credit
How you start a customer's credit application from your panel, fill in your part, send them their link, and follow each application in «Créditos».
In «Créditos» ("Loans") you keep your customers' credit applications. You can start one for your customer, fill in what you know, and send them a link so they finish, from their phone, the part only they can fill in. You also see there the applications your customers started from your cars' pages.
The application's data is used to process the credit and for the financial analysis required by law.
Before you start
- Your dealership enabled. Paying for your plan doesn't enable credit applications: each dealership is enabled separately. If you don't see «Créditos» in your panel, your dealership doesn't offer them yet.
- Your role. You need the permission «Ver las solicitudes de crédito de los clientes» ("View customers' credit applications") to see the section, and «Iniciar solicitudes de crédito y mandar la liga al cliente» ("Start credit applications and send the customer their link") to start, fill in, and send links. The four built-in roles have them. If your dealership customized a role or created its own, check them in AjustesMi agenciaRoles y permisos, in the «Solicitudes de crédito» group. See Roles and permissions.
- Your customer nearby or a message away. They have to sign in with their account to give their authorizations, confirm their identity, and sign.
Where you see it
Go to PanelCréditos. You see "Loans" with the line "Your customers' loan applications and which step each one is on." and the "New application" button.
Each application shows:
- The applicant's name. Until someone types it, it says "Customer without a name yet".
- The car, or "No car chosen", and the reference, for example "Reference CR-000123".
- The status, how many steps it has ("3 of 10 steps"), where it came from ("From your dealership" or "From the car's page"), and the date of its last change.
- "Your customer already opened their link", once your customer opened the link you sent.
The list updates by itself when an application moves forward.
Start an application
Tap "New application"
"New loan application" opens full screen with the question "Which car does your customer want?".
Choose the car
Your cars published in pesos appear, with their photo and price. Type in "Search by make, model or year" to find it. If they don't know which one yet, choose "No car for now": you type the price in the application.
If you work at a branch, you only see your branch's cars.
Tap "Start application"
It changes to "Opening…" and the application opens with its reference. If you chose a car, its price is already in the price field.
Fill in the application
The application is the same one your customer sees: it takes the whole screen and asks one thing at a time, with "Continue" always in view. See Apply for credit to see how each question works.
The steps and what each one asks for adapt to your customer's case: what you choose about how they prove their income changes what's asked next, especially for work and documents. You can fill in what you already know, such as the credit, the applicant's details, their address, their work, their references, and their documents.
The steps only your customer can fill in say "Your customer completes this". When there's nothing more you can fill in, you see "It's your customer's turn": that's the moment to send them their link.
Each answer is saved when you tap "Continue". You can leave with the "X" and continue later from the list.
Send the link to your customer
Tap "Send link to customer"
It's in the list of steps (on a phone, tap the step you're on to see it) and on the "It's your customer's turn" screen. "Link for your customer" opens.
Tap "Create link"
It changes to "Creating…" and the link appears with "Copy it now: we won't show it again.". Below you see until which day it works ("Expires on …") and "If you create another one, the previous one stops working.".
Send it
Tap "Copy" (it changes to "Copied") to paste it wherever you want, or "Send by WhatsApp" to choose your customer's chat with the message already written. Tap "Done" to close.
Your customer opens the link, signs in or creates their account, and goes straight to their application. There they see what you already filled in and complete their part. The application also appears in their "My loans" section.
The link has a single owner: the first account that opens it keeps the application. If someone else opens it, or if it expired unused, they see "This link is no longer valid" and "Ask whoever sent it to you for a new one.".
Submit the application
When every step is complete, "Ready to submit" appears. Your customer can submit it from their link, or you can from «Créditos» with "Submit application". After that it can no longer be changed and you see "The application was submitted".
Statuses
You or your customer are filling it in.
What you can do: Fill in your part and send them their link.
It was submitted and we're reviewing it.
What you can do: Check it. It can no longer be changed.
One more detail or document is needed from the customer.
What you can do: Let your customer know or send them a new link to complete it.
The credit was approved.
What you can do: Check it.
The credit wasn't approved.
What you can do: Check it.
The application was cancelled.
What you can do: Check it.
Each step in the list says how it's going: "Complete", "Pending", "Not available yet", or "Your customer completes this".
The usual case
Your customer is at the dealership
You start the application with the car they want, fill in their details together, and upload their documents. You send them the link by WhatsApp, they open it on their phone right there, give their authorizations, confirm their identity, sign, and submit.
Something doesn't work the first time
Your customer finishes it at home
You fill in what you know, send them the link, and they leave. In the list you see "Your customer already opened their link" and how their steps move forward.
Worst case
The link expired or got lost
Open the application, tap "Send link to customer", and create another one. The previous one stops working.
Special case
Someone else opened it
The link belongs to the first account that opened it. If your customer sees "This link is no longer valid", they can't get into that application: start a new one and send them their link.
Errors
What you see · New loan application
«That car is no longer published. Choose another one or start without a car.»
What it means. The car was sold, archived, or stopped being published while you were choosing.
What to do.
- Choose another car or "No car for now".
What you see · Loans
«Your role can't start or fill in loan applications.»
What it means. Your role can see applications but not start them, fill them in, or send links.
What to do.
- Ask whoever manages your team to add the permission «Iniciar solicitudes de crédito y mandar la liga al cliente» to your role.
What you see · Loans
«Loan applications aren't available for your dealership right now.»
What it means. Your dealership stopped offering credit applications or the service isn't available right now.
What to do.
- Reload the page in a few minutes.
- If it stays the same, write to us from Contact.
What you see · Link for your customer
«We couldn't create the link. Try again in a moment.»
What it means. The link couldn't be created.
What to do.
- Tap "Create link" again.
What you see · Link for your customer
«Esta solicitud no admite liga»
What it means. The application was already submitted or closed, so a link can no longer be sent.
What to do.
- Check its status in «Créditos».
What you see · New loan application
«We couldn't start the application. Try again in a few minutes.»
What it means. The application couldn't be opened.
What to do.
- Tap "Start application" again in a few minutes.